Active BE 0702.759.159Private limited company

4FIN

Beekstraat(Z) 17A ·8550 Zwevegem, Belgium· 8 yrs active

Sector: Agents and brokers in banking services (66191)

Conclusion Checked

4FIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €42k and a net result of €9k. Equity is shrinking by ~27.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 95% of 2365 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€42k
Net result	€9k
Better than sector	95%
Active	8 yrs

Financial profile 4 of 5 axes measured · computed by Checked

83 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview7 NBB filings

Annual accounts filed on 20-03-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Net result: declining trend of ~52.1%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 66, Activities auxiliary to financial services and insurance activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	99.0%	50.6%	better than 95% of 2365 sector peers
Net result	€9k	€33k	better than 29% of 2365 sector peers
Equity	€42k	€127k	better than 27% of 2367 sector peers
Gross operating margin	€12k	€105k	better than 14% of 2365 sector peers
Total assets	€42k	€359k	better than 9% of 2366 sector peers

Net profit

€9k

-93.2% 20-25

Total assets

€42k

-81.1% 20-25

Equity

€42k

-77.1% 20-25

Employees (FTE)

7

-20.7% 20-25

Staff costs

€0

-100.0% 20-25

Income taxes

€3k

-92.4% 20-25

Dividends

€150k

-50.0% 20-25

Debt

€444

-98.9% 20-25

Debt ≤ 1y

€316

-99.2% 20-25

Debt > 1y

€0

-100.0% 20-25

Solvency

99.0%

+21.3% 20-25

ROE

21.4%

-70.2% 20-25

ROA

21.2%

-63.8% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€9k	€131k	€181k	€730k	€789k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	€0	€481k	€558k	€536k
Income taxes	€3k	€40k	€77k	€34k	€78k
Dividends	€150k	€300k	€300k	-	-
Total assets	€42k	€224k	€439k	€1.27M	€1.27M
Equity	€42k	€183k	€352k	€484k	€429k
Debt	€444	€41k	€87k	€783k	€844k
of which ≤ 1y	€316	€41k	€87k	€776k	€831k
of which > 1y	-	-	€0	€7k	€13k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	6.9	8.7	9.0

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	99.0%	81.6%	80.1%	38.2%	33.7%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	21.2%	58.6%	41.3%	57.6%	62.0%
ROE	21.4%	71.8%	51.6%	151.0%	184.2%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Equity & liabilities

Equity €42k · 99.0% Debt €444 · 1.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€42k	€224k	€439k	€1.27M	€1.27M
Fixed assets	21/28	-	€0	€4k	€21k	€26k
Tangible fixed assets	22/27	-	€0	€4k	€21k	€26k
Financial fixed assets	28	-	€0	€60	€60	€60
Current assets	29/58	€42k	€224k	€435k	€1.25M	€1.25M
Amounts receivable within one year	40/41	€339	€30k	€361k	€181k	€165k
Cash & bank	54/58	€42k	€194k	€73k	€1.06M	€1.07M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€42k	€224k	€439k	€1.27M	€1.27M
Equity	10/15	€42k	€183k	€352k	€484k	€429k
Contributions / capital	10/11	€20k	€20k	€20k	€20k	€20k
Reserves	13	€22k	€163k	€332k	€464k	€409k
Accumulated profits (losses)	14	€0	€0	€0	-	-
Amounts payable	17/49	€444	€41k	€87k	€783k	€844k
Amounts payable after one year	17	-	-	€0	€7k	€13k
Amounts payable within one year	42/48	€316	€41k	€87k	€776k	€831k
Trade debts payable within one year	44	-	€0	€4k	€11k	€15k
Income statement
Gross operating margin	9900	€12k	€166k	€745k	€1.33M	€1.41M
Operating result	9901	€11k	€165k	€259k	€767k	€870k
Financial income	75	€741	€7k	€1k	€20	-
Financial charges	65	€150	€135	€2k	€3k	€2k
Result before taxes	9903	€12k	€171k	€258k	€765k	€868k
Income taxes	67/77	€3k	€40k	€77k	€34k	€78k
Net result for the period	9904	€9k	€131k	€181k	€730k	€789k
Result to be appropriated	9905	€9k	€131k	€181k	€730k	€789k

Legal Structure

NACE primary	Agents and brokers in banking services(66191)
Legal form	Private limited company(610)
Incorporation	03-09-2018
Status	Active
Postal code	8550

Establishment units 1 location

4 Finance

Beekstraat(Z) 17A, 8550 ZwevegemActivities of head offices

since 20182.279.126.054

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34042C0019/00K000	Flanders	793 m²	1 · 132 m²	8.7 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 7 events

All 11Financial 4Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €9k ▼93.2%

Net result drops to €9k, the lowest in the series.

31-12

Financial Liquidity times 25current ratio 134.26

Current ratio from 5.45 to 134.26; short-term debt falls from €41k to €316.

16-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

13-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Liquidity triplescurrent ratio 5.01

Current ratio from 1.61 to 5.01; short-term debt falls from €776k to €87k.

14-04

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

19-04

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Highest result since 2020net €789k ▲20.8%

Operating result €870k, net result €789k, both a record.

02-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

05-05

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agents and brokers in banking services66191

Names & trade names

Legal nameNL

4FIN

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